PPF Calculator – Calculate 7.1% Govt Public Provident Fund Maturity Corpus & Schedule
Calculate PPF maturity corpus, yearly compounding interest, 5-year block extensions, loan eligibility, and Section 80C EEE tax savings with interactive Chart.js donut.
Year-by-Year PPF Growth & Loan Eligibility Schedule
Complete breakdown of yearly deposits, 7.1% interest added, closing balance, and loan eligibility.
| Year | Opening Balance | Yearly Deposit | Interest (7.1%) | Closing Balance | Loan Facility (25%) |
|---|
How to Use this Calculator & Formula Breakdown
Step 1: Input Financial Parameters
Enter your yearly PPF deposit amount (₹500 to ₹1,50,000).
Step 2: Instant Client-Side Computation
Select tenure (15 to 35 years in 5-year extension blocks).
Step 3: Analyze Visual Breakdown & Amortization
Explore live interactive Chart.js donut chart, loan eligibility, and full year-by-year PPF growth schedule table.
Mathematical Algorithm & Formula
Frequently Asked Questions (FAQs)
What is the current interest rate for Public Provident Fund (PPF)?
The Ministry of Finance fixes the PPF interest rate at 7.1% per annum, compounded annually on March 31st and backed 100% with a sovereign guarantee by the Government of India.
Why is PPF called an EEE (Exempt-Exempt-Exempt) investment?
PPF enjoys complete triple tax exemption: (1) Investment amount is deductible under Section 80C up to ₹1.5 Lakhs, (2) Interest earned is 100% tax-free, and (3) The final maturity corpus is completely exempt from income tax.
What is the ideal date to deposit money into a PPF account every month?
To earn interest for that month, you should deposit money on or before the 5th day of the month. Interest is calculated on the lowest balance between the 5th and the last day of each month.
Can you extend a PPF account after the initial 15-year maturity?
Yes, PPF accounts can be extended indefinitely in blocks of 5 years (e.g., 20, 25, 30, 35 years) with or without making additional contributions, continuing to earn 7.1% tax-free compound interest.
What are the loan and partial withdrawal facilities in PPF?
You can avail of a low-interest loan against your PPF balance from the 3rd to the 6th financial year. Partial tax-free withdrawals are permitted from the 7th financial year onward (up to 50% of the balance).
What is the minimum and maximum deposit limit in a PPF account per financial year?
The minimum mandatory deposit is ₹500 per financial year and the maximum statutory limit is ₹1,50,000 per financial year across all accounts held by an individual.
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